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Terms & Conditions

IndusInd Bank x Paytm Flights: Credit Card EMI Offer

Domestic Flights Offer for Credit Card EMI Transactions

Promocode: FLYINDEMI

Terms and Conditions:

  • Use code FLYINDEMI on domestic flight ticket booking to avail flat 12% instant discount up to INR 1500 + additional saving on 3 months EMI
  • Minimum booking value is INR 5,000.
  • Offer is applicable on IndusInd Bank Credit Card EMI transactions only.
  • The offer is valid for one-time usage per user, per card, per month.
  • Maximum available discount per card is INR 1500.
  • Offer applicable on flight ticket bookings through Paytm website, m-site and App.
  • To avail this offer, users need to have a verified mobile number on Paytm.
  • Transactions completed during this offer period with the appropriate deal/promo code will only be considered. The date of travel can be beyond the expiry date of the offer.
  • Convenience fee or ancillaries purchased (meals, insurance, baggage, etc.) will be excluded from the total booking amount for calculation of discount.
  • Customers making payment through any other bank cards will not be eligible for instant discount.
  • The offer will be LIVE on all days from 1-Sep-26 to 30-Sep-26.
  • If bookings are fully canceled (during and/or outside the offer period), the corresponding instant discount applicable on that order/transaction will not be granted.
  • IndusInd Bank and Paytm reserves its absolute right to withdraw and/or alter any terms and conditions and duration of the offer at any time without prior notice.
  • All customer queries/disputes on the offer should be raised during the offer period or within 30 days after the expiry of the promotion period.
  • For any disputes, the customer needs to furnish a scanned copy of the invoice for the case to be investigated further.
  • The offer is non-transferable, non-negotiable, and cannot be encashed.
  • The campaign will run as per the Offer Period mentioned above. However, IndusInd Bank and Paytm reserve the right to extend or cut short the offer at their discretion.
  • Offer will not be applicable on Commercial and Corporate IndusInd Bank Credit Cards.

International Flights Offer for Credit Card EMI Transactions

Promocode: INTINDEMI

Terms and Conditions:

  • Use code INTINDEMI on international flight ticket booking to avail flat 10% off up to INR 6000 + Additional saving on 3 months EMI.
  • Minimum booking value is INR 15,000.
  • Offer is applicable on IndusInd Bank Credit Card EMI transactions only.
  • Offer is valid for one-time usage per user, per card, per month.
  • Maximum available discount per card is INR 6000.
  • Offer applicable on flight ticket bookings through Paytm website, m-site and App.
  • To avail this offer, users need to have a verified mobile number on Paytm.
  • Transactions completed during this offer period with the appropriate deal/promo code will only be considered. The date of travel can be beyond the expiry date of the offer.
  • Convenience fee or ancillaries purchased (meals, insurance, baggage, etc.) will be excluded from the total booking amount for calculation of discount.
  • The offer will be LIVE on all days from 1-Sep-26 to 30-Sep-26.
  • If bookings are fully canceled (during and/or outside the offer period), the corresponding instant discount applicable on that order/transaction will not be granted.
  • IndusInd Bank and Paytm reserves its absolute right to withdraw and/or alter any terms and conditions and duration of the offer at any time without prior notice.
  • All customer queries/disputes on the offer should be raised during the offer period or within 30 days after the expiry of the promotion period.
  • For any disputes, the customer needs to furnish a scanned copy of the invoice for the case to be investigated further.
  • The offer is non-transferable, non-negotiable, and cannot be encashed.
  • The campaign will run as per the Offer Period mentioned above. However, IndusInd Bank and Paytm reserve the right to extend or cut short the offer at their discretion.
  • Offer will not be applicable on Commercial and Corporate IndusInd Bank Credit Cards.

What is Additional Savings on EMI?

  • In Additional Savings on EMI, monthly instalment = Total product price / EMI tenure in months
  • EMI Processing fee levied by bank is not covered under Additional Savings on EMI Cashback offer. Processing fees is charged separately by the bank along with first EMI instalment as a one-time charge.
  • The discount amount shall be equal to the total interest amount payable on the EMI. Any GST levied on interest amount is not covered under the Additional Savings on EMI cashback offer
  • For e.g.:
  1. You pay INR 30,000 for your ticket using Additional Savings on for 3 months, your card will be blocked for INR 30,000 at Paytm Flights
  2. Your bank will convert this to EMI within 4-7 days.
  3. Discount equal to the 3 months interest amount (INR 753) will be credited within 21 days to card. This reduces a loan of INR 30,753 (principal + interest) to a loan of INR 30,000
  4. You will be charged GST of INR 135.54 applicable on interest amount of INR 753 by the bank. The total cost to the cardholder would be INR 30,135.54 (Ticket price+ GST).
  • The discount under Additional Savings on credit card payment option is being offered exclusively by Paytm flights and does not amount to EMI/interest waiver extended by the bank.
  • Cardholder will need to pay applicable EMI and interest on total value of the order at the time of payment to the IndusInd Bank. Credit Card in accordance with the terms applicable to the credit card.
  • Cardholder will have to pay applicable Bank convenience fee for EMI transactions

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Definitions

Unless the context otherwise requires, the following terms shall have the meanings assigned below:

  • "Bank" means IndusInd Bank Limited.
  • "Cardholder" means a person holding a valid IndusInd Bank Card eligible for the respective offer.
  • "Offer" means any promotional offer made available by the Bank in association with a Merchant.
  • "Offer Period" means the period during which the respective Offer is valid, as communicated by the Bank and/or Merchant.
  • "Merchant" means any establishment, retailer, service provider, platform, website, application or entity participating in the Offer.
  • "Eligible Card" means an IndusInd Bank Card specified as eligible for a particular Offer.
  • "Transaction" means a purchase transaction carried out using an Eligible Card and excludes fees, charges, interest, cash withdrawals, reversals, refunds, disputed, cancelled, fraudulent and unauthorized transactions.
  • "Communication" means any communication sent by the Bank to customers through SMS, email, website, mobile application, statement inserts, digital channels, social media, or any other mode.

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General Terms & Conditions

  • The card account must be active, valid, and in good standing to be eligible for any offer.
  • Offers are applicable only on Eligible Cards and Eligible Transactions as specified in the respective Offer Terms & Conditions.
  • The Offer Period shall be as communicated by the Bank and/or Merchant from time to time.
  • Participation in any Offer is purely voluntary and shall be deemed acceptance of the applicable Offer Terms & Conditions and these Standard Terms & Conditions.
  • Any benefit under an Offer is non-transferable, non-negotiable and cannot be exchanged for cash unless specifically stated otherwise.
  • The Merchant and/or the Bank reserve the right to add, alter, amend, modify, withdraw, suspend, extend or terminate any Offer and/or these Terms & Conditions at any time without prior notice and without assigning any reason.
  • The Bank reserves the right to disqualify any Cardholder from availing the benefits of an Offer if any fraudulent activity, abuse, misuse, suspicious activity or violation of the Offer Terms & Conditions is identified.
  • The Bank shall not be responsible for any failure by the Merchant to honour the Offer.
  • The Bank does not endorse any product or service offered by any Merchant and makes no representation regarding the quality, merchantability, suitability, availability, delivery, warranty or after-sales service of any products or services offered by the Merchant.
  • Any dispute regarding product quality, service quality, delivery, fulfilment, warranty, replacement, refund or customer service shall be resolved directly between the Cardholder and the Merchant without any reference to the Bank.
  • The Bank shall not be liable for any loss, damage, claim, costs, charges or expenses arising from or related to goods purchased or services availed under any Offer.
  • The Bank shall not be liable for any indirect, incidental, consequential, special or punitive damages arising out of or in connection with any Offer.
  • The Bank shall not be responsible if an Offer cannot be availed due to technical issues including but not limited to system failure, communication network failure, internet congestion, downtime, force majeure events, or any other reasons beyond the reasonable control of the Bank.
  • Images used in promotional materials are for illustrative purposes only.
  • The Offer shall not be available wherever prohibited under applicable law or regulation.
  • Logos, brand names and trademarks used in relation to any Offer belong to their respective owners. Their use does not imply endorsement by the Bank.
  • The Cardholder agrees to indemnify and hold harmless the Bank and the Merchant against any claims, losses, damages, liabilities, costs and expenses arising from breach of these Terms & Conditions, violation of applicable laws or misuse of the Offer by the Cardholder.
  • The Bank's decision in all matters relating to any Offer, including determination of eligibility, interpretation of terms and resolution of disputes relating to Offer benefits, shall be final and binding.
  • Products and services offered under any Offer are subject to availability with the Merchant.
  • All taxes, duties, levies, goods and services tax, or any other statutory charges payable in connection with the Offer shall be borne solely by the Cardholder.
  • If a Cardholder ceases to be a customer of the Bank or if the Card account is blocked, cancelled, suspended, delinquent or closed during the Offer Period, the Bank reserves the right to withdraw the Offer benefit.
  • These Standard Terms & Conditions are in addition to and not in substitution of the Cardmember Agreement, Most Important Terms & Conditions (MITC) and other applicable terms governing the use of IndusInd Bank Cards.
  • In case of any inconsistency between the Offer-specific Terms & Conditions and these Standard Terms & Conditions, the Offer-specific Terms & Conditions shall prevail to the extent of such inconsistency.
  • The Offer shall be governed by and construed in accordance with the laws of India.
  • In the event of cancellation or pre-closure of the EMI transaction, applicable foreclosure/processing charges may be levied and any instant discount/benefit availed will be reversed and debited to the card account.
  • For detailed T&C’s, visit https://www.indusind.bank.in/in/en/personal/indus-easy-emi-tnc.html